ZIP 28761 Property Distress & Foreclosure Data

Composite property distress in 28761 (Mcdowell County, North Carolina) lands at 30/100 — moderate on DLRadar's public-record scoring. Environmental exposure also runs high (flood (NFIP) exposure (97/100), FEMA disaster exposure (88/100), climate & FEMA risk (60/100)). The sharpest non-environmental signals are institutional ownership (69/100), structural risk (67/100), construction/permit lag (47/100). On the quiet end sit mortgage stress (27/100). Structural exposure scores 67 and live distress 8 on the 0–100 scale.

The peak-phase market in 28761 posted values that rose 2.6% over the year, and 3% higher over three years, at 35/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

There are about 4,018 housing units across 28761. The tenure split is 85% owner-occupied to 16% rented. A median home runs $176,700 here, or 2.5 times local income. Households earn a median $68,152 — below the roughly $78,000 national figure. About 22% have a four-year degree. Roughly 10.5% live below the poverty line. Population is roughly 7,884 with a median age of 46. On demographic stress specifically, 28761 scores 26/100. Vacancy runs 20.7%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 27% of tenant households.

On the whole, 28761 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.